377 El Monte RdEl CajonCA92020
INVESTMENT ANALYSIS
Investment Verdict
Solid Income377 El Monte Rd, El Cajon, CA, 92020 in El Cajon is a solid income-producing rental, 9.03% gross yield, $7,108/mo rent, $1,262/mo net cash flow on a $945,000 buy. DSCR 1.67 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $261,086 and $8,704/yr in principal reduction project a total cumulative return of $439,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.2% |
| Monthly Cash Flow | $1,262 | $350 |
City averages based on El Cajon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,108 |
| Total Monthly Debt Service | $5,470 |
| DSCR Ratio | 1.30x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 92020, El Cajon, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,427 (100%) |
| Owner Occupied HU | 8,563 (38.2%) |
| Renter Occupied HU | 13,016 (58.0%) |
| Vacant Housing Units | 848 ( 3.8%) |
| Median Home Value | $859,223 |
| Average Home Value | $900,497 |
Housing Distribution
Address Breakdown
Residential
21,033
Single Family
13,921
Multi-Family
7,112
Businesses
2,417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Blair Thiel • Homes 2 Own
Mls Name: SDMLS
Mls ID: #250043212